Hello friends,

Man in the browser (MITB) attacks are a new threat which consumers
will face and the hacking industry is widely adopting, especially as
many security products are not mature enough yet to deal with this
problem.

Man-in-the-Browser (MitB), a form of Internet threat related to Man-in-
the-Middle (MitM), is a trojan that infects a web browser and has the
ability to modify pages, modify transaction content or insert
additional transactions, all in a completely covert fashion invisible
to both the user and host application. A MitB attack will be
successful irrespective of whether security mechanisms such as SSL/PKI
and/or Two or Three Factor Authentication solutions are in place. The
only way to counter a MitB attack is by utilising transaction
verification.


The MitB Trojan works by utilising common facilities provided to
enhance Browser capabilities such as Browser helper Objects,
Extensions and User scripts etc., and is therefore virtually
undetectable to virus scanning software.

One of the most effective methods in combating a MitB attack is
through an out-of-band  Transaction verification process. This
overcomes the MitB Trojan by verifying the transaction details, as
received by the host (bank), to the user (customer) over a channel
other than the browser; typically an automated telephone call. OOB
Transaction Verification is ideal for mass market use since it
leverages devices already in the public domain (e.g. Landline, Cell
Phone, etc) and requires no additional hardware devices yet enables
Three Factor Authentication (utilising Voice Biometrics), Transaction
Signing (to non-repudiation level) and Transaction Verification.

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